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Payment method, corresponding portable terminal, third-party payment platform

A portable terminal, payment method technology, applied in the payment system, payment system structure, data processing application, etc., can solve the problems of no motivation to improve technology, third-party payment platform restricted transaction security, etc., to promote payment market competition, convenient Promotion and competition, the effect of reducing dependence

Active Publication Date: 2017-09-08
广州市智专信息科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, since the user is only a passive recipient in commercial promotion, and the third-party payment platform is subject to its monopoly position and transaction security considerations, there is no motivation to improve the technology

Method used

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  • Payment method, corresponding portable terminal, third-party payment platform
  • Payment method, corresponding portable terminal, third-party payment platform
  • Payment method, corresponding portable terminal, third-party payment platform

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0036] Figure 5Set up and use the flow chart for the payment method in Embodiment 1. First, the user sets the region of use for various payment methods. Areas of use are generally divided by administrative regions. Assume that there are two payment methods, which are used to set the usage region a of payment method A and the usage region b of payment method B. When the user uses third-party payment to make payment, the third-party payment application program first obtains the location information of the current payment device, and according to the usage region set for the payment method, selects the payment method that uses the area including the current location for payment.

[0037] Taking the payment methods listed above as an example, the region of use for Bank A’s credit card is set to China, the region of use for Bank B’s credit card is set to the United States, and other payment methods are not set. At this time, when the user makes payment in China, the bank A cred...

Embodiment 2

[0044] Figure 9 Set up and use the flow chart for the payment method in Embodiment 2. First, the user sets up payment merchant information for various payment methods. Suppose there are two payment methods, payment merchant a for setting payment method A, and payment merchant b for setting payment method B. When the user uses third-party payment to make payment, the third-party payment application first obtains the current merchant information, and selects the payment merchant information including the payment method of the current merchant according to the payment merchant information set for the payment method by the third-party payment platform for payment.

[0045] Figure 10 to Figure 11 It is the application interface of the third-party payment in the second embodiment. When the payment is confirmed, the third-party payment platform obtains the merchant information, Figure 10 The current payment merchant shown is Guangzhou Friendship Store, and the system sets its ...

Embodiment 3

[0051] Figure 12 Set up and use the flow chart for the payment method in Embodiment 3. First, the user sets payment frequency information for various payment methods. Suppose there are two payment methods, which are used to set the payment times a of payment method A and the payment times b of payment method B. When the user uses a third-party payment to make payment, the third-party payment application first obtains the number of times the current payment method A is used, and if the number of times the payment method A is used exceeds a, the payment method B is used for payment. Here, the number of payments can be set on a yearly, monthly, etc. cycle, mainly to meet the demand for no annual fee when paying by credit card, and to facilitate users to manage different credit cards.

[0052] Assume that the user sets the bank A credit card to be used 5 times a year and sets the start date; the user sets the bank B credit card to use 10 times a year and sets the start date. I...

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Abstract

A payment method comprises the steps of A setting the usage region a of a payment mode A via a third-party payment platform; B when the third-party payment platform is utilized to pay, using the third-party payment platform to obtain the position information of a user payment device, and if the position information is within the range of the usage region a, using the payment mode A to pay. After adopting the technical scheme of the present invention, users can set the information of various payment methods via the third-party payment platform, such as the usage regions, the merchant information, the payment times, the payment quota, etc., by reasonably using the various payment methods, the users are convenient, the payment market competition focusing on the users is promoted, the popularization and the mutual competition of different payment methods are also convenient, and the dependence of the banks on the third-party payment providers is reduced technically.

Description

technical field [0001] The invention relates to a payment method, a corresponding portable terminal and a third-party payment platform. Background technique [0002] The traditional payment method is often a simple immediate direct payment transfer, one-step payment. Among them, banknote settlement and bill settlement are suitable for face-to-face spot transactions, which can realize synchronous exchange; wire transfer and online direct transfer in remittance settlement are also one-step payment, which is suitable for face-to-face spot transactions, but without credit guarantee or legal support, it will lead to asynchronous Exchanges easily lead to the risk of non-equivalent exchange. In reality, the buyer pays first and cannot receive the target on time with quality and quantity, and the seller fails to receive the price on time after delivering the goods first. Events such as delays, discounts or refusal to pay may cause economic disputes happens sometimes. [0003] The ...

Claims

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Application Information

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IPC IPC(8): G06Q20/02G06Q20/08G06Q20/38
CPCG06Q20/023G06Q20/0855G06Q20/38
Inventor 张沈平
Owner 广州市智专信息科技有限公司
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